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  <xsd:element id="pdlb_EmployeeStockOwnershipPlanESOPLoanTerm" name="EmployeeStockOwnershipPlanESOPLoanTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedValue" name="EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_EmployeeStockOwnershipPlanESOPNumberOfSharesToBeAllocatedToParticipants" name="EmployeeStockOwnershipPlanESOPNumberOfSharesToBeAllocatedToParticipants" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_ExposureToGrain" name="ExposureToGrain" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="pdlb_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFourYearsFromBalanceSheetDate" name="FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFourYearsFromBalanceSheetDate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueInRemainderOfFiscalYearOfBalanceSheetDate" name="FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueInRemainderOfFiscalYearOfBalanceSheetDate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFourYearsOfBalanceSheetDate" name="FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFourYearsOfBalanceSheetDate" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_FederalHomeLoanBankAdvancesRedeemableAtCallDateSummaryDueAfterFourYearsOfBalanceSheetDate" name="FederalHomeLoanBankAdvancesRedeemableAtCallDateSummaryDueAfterFourYearsOfBalanceSheetDate" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_FederalHomeLoanBankAdvancesRedeemableAtCallDateSummaryDueFromFourToFiveYearsOfBalanceSheetDate" name="FederalHomeLoanBankAdvancesRedeemableAtCallDateSummaryDueFromFourToFiveYearsOfBalanceSheetDate" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_FederalHomeLoanBankAdvancesRedeemableAtCallDateSummaryDueFromOneToTwoYearsOfBalanceSheetDate" name="FederalHomeLoanBankAdvancesRedeemableAtCallDateSummaryDueFromOneToTwoYearsOfBalanceSheetDate" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_FederalHomeLoanBankAdvancesRedeemableAtCallDateSummaryDueFromThreeToFourYearsOfBalanceSheetDate" name="FederalHomeLoanBankAdvancesRedeemableAtCallDateSummaryDueFromThreeToFourYearsOfBalanceSheetDate" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_FederalHomeLoanBankAdvancesRedeemableAtCallDateSummaryDueFromTwoToThreeYearsOfBalanceSheetDate" name="FederalHomeLoanBankAdvancesRedeemableAtCallDateSummaryDueFromTwoToThreeYearsOfBalanceSheetDate" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_FederalHomeLoanBankAdvancesRedeemableAtCallDateSummaryDueInRemainderOfFiscalYearOfBalanceSheetDate" name="FederalHomeLoanBankAdvancesRedeemableAtCallDateSummaryDueInRemainderOfFiscalYearOfBalanceSheetDate" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_FinancingReceivableTroubledRestructuredLoans" name="FinancingReceivableTroubledRestructuredLoans" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_FundDueToPonceFinancial" name="FundDueToPonceFinancial" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="pdlb_FundsDueToPonceFinancial" name="FundsDueToPonceFinancial" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_FundsReceivedInConnectionWithSecondStepConversion" name="FundsReceivedInConnectionWithSecondStepConversion" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="pdlb_GainLossOnSaleOfPremisesAndEquipment" name="GainLossOnSaleOfPremisesAndEquipment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_GainLossOnSaleOfRealProperty" name="GainLossOnSaleOfRealProperty" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_GrainOriginatedLoansReceivableGross" name="GrainOriginatedLoansReceivableGross" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="pdlb_GrainRecovery" name="GrainRecovery" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="pdlb_GrainWriteDowns" name="GrainWriteDowns" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="pdlb_GrainWriteOffAndWriteDown" name="GrainWriteOffAndWriteDown" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="pdlb_GrantReserve" name="GrantReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_HeldToMaturitySecuritiesAmortizedCost" name="HeldToMaturitySecuritiesAmortizedCost" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="pdlb_HeldToMaturitySecuritiesNumberOfSecurities" name="HeldToMaturitySecuritiesNumberOfSecurities" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_IncreaseDecreaseInAdvancePaymentsByBorrowers" name="IncreaseDecreaseInAdvancePaymentsByBorrowers" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="pdlb_IncreaseDecreaseInMortgageLoanFundingsPayable" name="IncreaseDecreaseInMortgageLoanFundingsPayable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="pdlb_IndividualBrokeredCertificationOfDeposit" name="IndividualBrokeredCertificationOfDeposit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_InterestBearingDepositFairValue" name="InterestBearingDepositFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_InvestmentInBamboo" name="InvestmentInBamboo" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="pdlb_InvestmentInGrain" name="InvestmentInGrain" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="pdlb_InvestmentInGrainBeginningBalance" name="InvestmentInGrainBeginningBalance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="pdlb_InvestmentInGrainWriteOff" name="InvestmentInGrainWriteOff" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="pdlb_InvestmentInLendingFront" name="InvestmentInLendingFront" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="pdlb_InvestmentInMortgageWorld" name="InvestmentInMortgageWorld" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="pdlb_InvestmentInPonceBank" name="InvestmentInPonceBank" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="pdlb_InvestmentPortfolioNumberOfAvailableForSaleSecurities" name="InvestmentPortfolioNumberOfAvailableForSaleSecurities" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_InvestmentPortfolioNumberOfHeldToMaturitySecurity" name="InvestmentPortfolioNumberOfHeldToMaturitySecurity" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_InvestmentsInGrainWriteOff" name="InvestmentsInGrainWriteOff" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="pdlb_LeaseBaseAnnualRent" name="LeaseBaseAnnualRent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="pdlb_LeaseBaseRentAnnuallyIncreasingRate" name="LeaseBaseRentAnnuallyIncreasingRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_LeaseExpirationYear" name="LeaseExpirationYear" type="xbrli:gYearItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_LesseeNonCancelableOpearingLeaseAgreementsExpirationYear" name="LesseeNonCancelableOpearingLeaseAgreementsExpirationYear" type="xbrli:gYearItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_ListingServiceDeposits" name="ListingServiceDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_LoanAmortizationPeriod" name="LoanAmortizationPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_LoanHeldForSale" name="LoanHeldForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_LoanOrigination" name="LoanOrigination" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_LoanReceivableFromESOP" name="LoanReceivableFromESOP" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="pdlb_LoansLeasesReceivableAndOtherRelatedParties" name="LoansLeasesReceivableAndOtherRelatedParties" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="pdlb_LoansReceivableAllowanceForSecurityDeposits" name="LoansReceivableAllowanceForSecurityDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_LoansReceivableAllowanceForUnusedCommitments" name="LoansReceivableAllowanceForUnusedCommitments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_LoansReceivableAllowanceForUnusedCommitmentsAvailableForGrainBorrowers" name="LoansReceivableAllowanceForUnusedCommitmentsAvailableForGrainBorrowers" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_LoanTerm" name="LoanTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_LoanToEmployeeStockOwnershipPlan" name="LoanToEmployeeStockOwnershipPlan" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_MaximumPercentageOfTotalIssuedAndOutstandingMembershipInterest" name="MaximumPercentageOfTotalIssuedAndOutstandingMembershipInterest" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_MembershipInterestUnitsPurchased" name="MembershipInterestUnitsPurchased" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_MicroloanAllowanceForLoanLosses" name="MicroloanAllowanceForLoanLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_MicroLoanCreditLimit" name="MicroLoanCreditLimit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="pdlb_MicroloansNetOfAllowanceForLoanLosses" name="MicroloansNetOfAllowanceForLoanLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="pdlb_MicroloansOriginatedPutBackToGrain" name="MicroloansOriginatedPutBackToGrain" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_MinimumCollectionPercentageOfSecurities" name="MinimumCollectionPercentageOfSecurities" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_MortgageLoansPledgedAsCollateral" name="MortgageLoansPledgedAsCollateral" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="pdlb_MutualHoldingCompanyConversionSubscriptionLiabilities" name="MutualHoldingCompanyConversionSubscriptionLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_NoncashOrPartNoncashAcquisitionMortgageLoansHeldForSaleAtFairValue" name="NoncashOrPartNoncashAcquisitionMortgageLoansHeldForSaleAtFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="pdlb_NoncashOrPartNoncashAcquisitionWarehouseLinesOfCredit" name="NoncashOrPartNoncashAcquisitionWarehouseLinesOfCredit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_NonInterestExpenseInsuranceAndSuretyBondPremiums" name="NonInterestExpenseInsuranceAndSuretyBondPremiums" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="pdlb_NonInterestExpenseRegulatoryAssessment" name="NonInterestExpenseRegulatoryAssessment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="pdlb_NoninterestExpenseRegulatoryDues" name="NoninterestExpenseRegulatoryDues" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="pdlb_NonInterestIncomeLateAndPrepaymentCharges" name="NonInterestIncomeLateAndPrepaymentCharges" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_NonInterestIncomeServiceChargesAndFees" name="NonInterestIncomeServiceChargesAndFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_NumberOfAdditionalYearOfServiceCost" name="NumberOfAdditionalYearOfServiceCost" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_NumberOfAvailableForSaleSecuritiesMaturedOrCalled" name="NumberOfAvailableForSaleSecuritiesMaturedOrCalled" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_NumberOfBranchBankingOffices" name="NumberOfBranchBankingOffices" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_NumberOfBranchMortgageLoanOffices" name="NumberOfBranchMortgageLoanOffices" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_NumberOfESOPSharesCommittedToBeReleased" name="NumberOfESOPSharesCommittedToBeReleased" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_NumberOfHeldToMaturitySecurities" name="NumberOfHeldToMaturitySecurities" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_NumberOfIssuableStockOptionsConvertedIntoRestrictedStockUnits" name="NumberOfIssuableStockOptionsConvertedIntoRestrictedStockUnits" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_NumberOfKeyExecutiveOfficerUnderRetirementPlan" name="NumberOfKeyExecutiveOfficerUnderRetirementPlan" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_NumberOfLeasesBranches" name="NumberOfLeasesBranches" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_NumberOfLoanHeldForSale" name="NumberOfLoanHeldForSale" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_NumberOfMicroLoanAggregateValue" name="NumberOfMicroLoanAggregateValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="pdlb_NumberOfMicroLoanOutstanding" name="NumberOfMicroLoanOutstanding" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_NumberOfOperatingLeases" name="NumberOfOperatingLeases" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_NumberOfRestrictedStockUnitsConvertedFromIssuableStockOptions" name="NumberOfRestrictedStockUnitsConvertedFromIssuableStockOptions" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_NumberOfYearsDiscretionaryMatchingAndProfitSharingContributions" name="NumberOfYearsDiscretionaryMatchingAndProfitSharingContributions" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_OperatingLossCarryBack" name="OperatingLossCarryBack" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="pdlb_OperatingLossCarryforwardsLimitationsOnUse1" name="OperatingLossCarryforwardsLimitationsOnUse1" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_OperatingLossGeneratedDuringThePeriod" name="OperatingLossGeneratedDuringThePeriod" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_OtherComprehensiveIncomeLossBeforeReclassificationFromStrandedTaxEffects" name="OtherComprehensiveIncomeLossBeforeReclassificationFromStrandedTaxEffects" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_OtherLiabilitiesAndAccruedExpenses" name="OtherLiabilitiesAndAccruedExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_PaymentInvestmentInPonceBank" name="PaymentInvestmentInPonceBank" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_PaymentOfInvestmentInBamboo" name="PaymentOfInvestmentInBamboo" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_PaymentOfInvestmentInGrain" name="PaymentOfInvestmentInGrain" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_PaymentOfInvestmentInLendingFront" name="PaymentOfInvestmentInLendingFront" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_PaymentsForContributionToFoundation" name="PaymentsForContributionToFoundation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_PercentageOfCapitalBuffer" name="PercentageOfCapitalBuffer" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_PercentageOfLoanToValueRatio" name="PercentageOfLoanToValueRatio" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_PercentageOfSharesOutstanding" name="PercentageOfSharesOutstanding" type="xbrli:pureItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_PeriodOfHistoricalLossExperienceToEstimateAllowanceForLoanLosses" name="PeriodOfHistoricalLossExperienceToEstimateAllowanceForLoanLosses" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_PeriodOfInterestRateAdjustment" name="PeriodOfInterestRateAdjustment" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_PlacementsWithBanks" name="PlacementsWithBanks" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="pdlb_PreferredStockCeilingDividendRatePercentage" name="PreferredStockCeilingDividendRatePercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_PreferredStockFloorDividendRatePercentage" name="PreferredStockFloorDividendRatePercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_PresentValueOfOperatingLeasePaymentsPercent" name="PresentValueOfOperatingLeasePaymentsPercent" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_ProceedsFromPaymentsForFederalHomeLoanBankAdvances" name="ProceedsFromPaymentsForFederalHomeLoanBankAdvances" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="pdlb_ProceedsFromSaleOfRealProperty1" name="ProceedsFromSaleOfRealProperty1" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="pdlb_PurchasePriceEqualToCash" name="PurchasePriceEqualToCash" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_PurchasePriceOfMembershipInterestUnits" name="PurchasePriceOfMembershipInterestUnits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_ReciprocalDeposits" name="ReciprocalDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_RedeemableAtCallDateOvernightLineOfCreditAdvance" name="RedeemableAtCallDateOvernightLineOfCreditAdvance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_RepaymentOfEmployeeStockOwnershipPlanLoan" name="RepaymentOfEmployeeStockOwnershipPlanLoan" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_RepurchaseOrIndemnificationRequestsForLoansSold" name="RepurchaseOrIndemnificationRequestsForLoansSold" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_SalePriceOfRealProperty" name="SalePriceOfRealProperty" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="pdlb_SalesOfAvailableForSaleSecurities" name="SalesOfAvailableForSaleSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="pdlb_ScheduledMaturityOvernightLineOfCreditAdvance" name="ScheduledMaturityOvernightLineOfCreditAdvance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsConversionAndReorganizationInPeriod" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsConversionAndReorganizationInPeriod" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsWeightedAverageGrantDateFairValue" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsWeightedAverageGrantDateFairValue" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_ShareBasedCompensationArrangementByShareBasedPaymentAwardGrantsInPeriod" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardGrantsInPeriod" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsConversionAndReorganizationInPeriod" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsConversionAndReorganizationInPeriod" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_StockIssuedDuringPeriodSharesConversionAndReorganization" name="StockIssuedDuringPeriodSharesConversionAndReorganization" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_StockIssuedDuringPeriodSharesToPonceDeLeonFoundation" name="StockIssuedDuringPeriodSharesToPonceDeLeonFoundation" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_StockIssuedDuringPeriodValueConversionAndReorganization" name="StockIssuedDuringPeriodValueConversionAndReorganization" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_StockIssuedDuringPeriodValueToPonceDeLeonFoundation" name="StockIssuedDuringPeriodValueToPonceDeLeonFoundation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_StrongPassLoansToNewOrExistingBorrowersCollateralizedPercentage" name="StrongPassLoansToNewOrExistingBorrowersCollateralizedPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_SupplementalDisclosureOperatingLeaseLiabilities" name="SupplementalDisclosureOperatingLeaseLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_SupplementalDisclosureRightOfUseAssets" name="SupplementalDisclosureRightOfUseAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="pdlb_TimeDepositsLessThanTwoFiftyThousand" name="TimeDepositsLessThanTwoFiftyThousand" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_TimeDepositsTwoFiftyThousandOrMore" name="TimeDepositsTwoFiftyThousandOrMore" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_TotalUnfundedCommitment" name="TotalUnfundedCommitment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_TreasuryProgramToInvest" name="TreasuryProgramToInvest" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_TroubledDebtRestructuredLoanAccrualStatus" name="TroubledDebtRestructuredLoanAccrualStatus" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="pdlb_TroubledDebtRestructuredLoans" name="TroubledDebtRestructuredLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_UnrecognizedTaxBenefitsThresholdPercentage" name="UnrecognizedTaxBenefitsThresholdPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_UnusedCommitmentsAvailableToBorrowers" name="UnusedCommitmentsAvailableToBorrowers" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="pdlb_WeightedAverageRateOvernightLineOfCreditAdvance" name="WeightedAverageRateOvernightLineOfCreditAdvance" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_CompensationAndBenefitPlansDisclosureLineItems" name="CompensationAndBenefitPlansDisclosureLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_IncomeTaxesLineItems" name="IncomeTaxesLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_NatureOfBusinessAndSummaryOfSignificantAccountingPoliciesTableOfStatementLineItems" name="NatureOfBusinessAndSummaryOfSignificantAccountingPoliciesTableOfStatementLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_TimeDepositsLineItems" name="TimeDepositsLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_AutomatedTellerMachinesMember" name="AutomatedTellerMachinesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_BergenfieldMember" name="BergenfieldMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_BranchesAndOfficeSpacesMember" name="BranchesAndOfficeSpacesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_BronxMember" name="BronxMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_BrooklynMember" name="BrooklynMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_CARESACTMember" name="CARESACTMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_ConnecticutDivisionOfTaxationMember" name="ConnecticutDivisionOfTaxationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_COVID19Member" name="COVID19Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_EliminationsMember" name="EliminationsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_EmployeeStockOwnershipPlanMember" name="EmployeeStockOwnershipPlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_FirstESOPLoanMember" name="FirstESOPLoanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_GrainTechnologiesLLCMember" name="GrainTechnologiesLLCMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_HousingAndUrbanDevelopmentMember" name="HousingAndUrbanDevelopmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_ImpairedLoansMember" name="ImpairedLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_IncentiveOptionsMember" name="IncentiveOptionsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_ManhattanMember" name="ManhattanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_MicroloansMember" name="MicroloansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_MortgageLoansMember" name="MortgageLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_MortgageWorldBankersIncMember" name="MortgageWorldBankersIncMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_MortgageWorldMember" name="MortgageWorldMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_NewYorkAndBergenfieldMember" name="NewYorkAndBergenfieldMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_NewYorkAndEnglewoodCliffsMember" name="NewYorkAndEnglewoodCliffsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_NewYorkCityMember" name="NewYorkCityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_NewYorkDepartmentOfFinancialServicesMember" name="NewYorkDepartmentOfFinancialServicesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_NewYorkStateMember" name="NewYorkStateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_NonExecutiveOfficerMember" name="NonExecutiveOfficerMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_NonMortgageLoansMember" name="NonMortgageLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_NonQualifiedOptionsMember" name="NonQualifiedOptionsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_NonResidentialPropertyMember" name="NonResidentialPropertyMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_OffsetImprovementMember" name="OffsetImprovementMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_OneToFourFamilyLoansInvestorOwnedMember" name="OneToFourFamilyLoansInvestorOwnedMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_OneToFourFamilyLoansMember" name="OneToFourFamilyLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_OneToFourFamilyLoansOwnerOccupiedMember" name="OneToFourFamilyLoansOwnerOccupiedMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_OtherStateBankingDepartmentsMember" name="OtherStateBankingDepartmentsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_OutsideDirectorsMember" name="OutsideDirectorsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_OvernightLineOfCreditAdvanceMember" name="OvernightLineOfCreditAdvanceMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_PDLCommunityBancorpMember" name="PDLCommunityBancorpMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_PonceBankEmployeeStockOwnershipPlanMember" name="PonceBankEmployeeStockOwnershipPlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_PonceBankMember" name="PonceBankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_PonceFinancialGroupIncMember" name="PonceFinancialGroupIncMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_Post2015CarryForwardMember" name="Post2015CarryForwardMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_PPPLoansMember" name="PPPLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_Pre2015CarryForwardsMember" name="Pre2015CarryForwardsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_QueensMember" name="QueensMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_SbaCertificatesMember" name="SbaCertificatesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_SecondESOPLoanMember" name="SecondESOPLoanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_StockOptionsOrStockAppreciationRightsMember" name="StockOptionsOrStockAppreciationRightsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_ThirtyFirstDecemberTwentyTwentyMember" name="ThirtyFirstDecemberTwentyTwentyMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_TroubledDebtRestructuredLoansMember" name="TroubledDebtRestructuredLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_TwoThousandEighteenLongTermIncentivePlanMember" name="TwoThousandEighteenLongTermIncentivePlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_TwoThousandTwentyLongTermIncentivePlanMember" name="TwoThousandTwentyLongTermIncentivePlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_TwoThousandTwentyTwoLongTermIncentivePlanMember" name="TwoThousandTwentyTwoLongTermIncentivePlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_UnearnedEmployeeStockOwnershipPlanMember" name="UnearnedEmployeeStockOwnershipPlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_UnfundedCommitmentsUnderLinesOfCreditMember" name="UnfundedCommitmentsUnderLinesOfCreditMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_UnfundedCommitmentsWithBambooMember" name="UnfundedCommitmentsWithBambooMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_UnfundedCommitmentsWithOaktreeMember" name="UnfundedCommitmentsWithOaktreeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_UnfundedCommitmentsWithSilvergateMember" name="UnfundedCommitmentsWithSilvergateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_UnionCityMember" name="UnionCityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_VariableRateAboveLIBORMember" name="VariableRateAboveLIBORMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_WarehouseLineOfCredit1Member" name="WarehouseLineOfCredit1Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_WarehouseLineOfCredit2Member" name="WarehouseLineOfCredit2Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_IncomeTaxesTable" name="IncomeTaxesTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_NatureOfBusinessAndSummaryOfSignificantAccountingPoliciesTable" name="NatureOfBusinessAndSummaryOfSignificantAccountingPoliciesTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_ScheduleCompensationAndBenefitPlansDisclosuresTable" name="ScheduleCompensationAndBenefitPlansDisclosuresTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="pdlb_BusinessLoansPolicyTextBlock" name="BusinessLoansPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_CommitmentsContingenciesAndCreditRiskTextBlock" name="CommitmentsContingenciesAndCreditRiskTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_ConstructionAndLandLoansPolicyTextBlock" name="ConstructionAndLandLoansPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_ConsumerLoansPolicyTextBlock" name="ConsumerLoansPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_DebtSecuritiesAvailableForSaleAndHeldToMaturityTableTextBlock" name="DebtSecuritiesAvailableForSaleAndHeldToMaturityTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_LeaseRelatedAssetsAndLiabilitiesTableTextblock" name="LeaseRelatedAssetsAndLiabilitiesTableTextblock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_NatureOfOperationsPolicyTextBlock" name="NatureOfOperationsPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_NonresidentialMortgageLoansPolicyTextBlock" name="NonresidentialMortgageLoansPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_PreferredStockIssuancePlanOfConversionAndStockOfferingTextBlock" name="PreferredStockIssuancePlanOfConversionAndStockOfferingTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_PropertyPlantAndEquipmentUsefulLifeTableTextBlock" name="PropertyPlantAndEquipmentUsefulLifeTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_RelatedPartyTransactionsPolicyTextBlock" name="RelatedPartyTransactionsPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_ResidentialAndMultifamilyMortgageLoansPolicyTextBlock" name="ResidentialAndMultifamilyMortgageLoansPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_RestrictedStockUnitsPolicyTextBlock" name="RestrictedStockUnitsPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_RisksAndUncertaintiesPolicyTextBlock" name="RisksAndUncertaintiesPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_ScheduleOfDeferredTaxExpenseBenefitAllocatedBetweenOperationsAndEquityTableTextBlock" name="ScheduleOfDeferredTaxExpenseBenefitAllocatedBetweenOperationsAndEquityTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_ScheduleOfTotalExposureTableTextBlock" name="ScheduleOfTotalExposureTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_StockOptionsPolicyTextBlock" name="StockOptionsPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="pdlb_TreasuryStockPolicyTextBlock" name="TreasuryStockPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
</xsd:schema>
